STREET OPTIONS FIXED RATE MORTGAGE SCHEDULE
|
|
- Jocelin Warren
- 8 years ago
- Views:
Transcription
1 STREET OPTIONS FIXED RATE MORTGAGE SCHEDULE In consideration of the granting of the loan secured by this mortgage and of its conditions, the borrower agrees with the lender as follows: The provisions of this Schedule shall be incorporated into, and form part of, the attached mortgage and, where applicable, shall replace the corresponding provisions of this mortgage. All terms and conditions of this mortgage document not varied by this Schedule remain in full force and effect notwithstanding the addition of this Schedule. In the event of any conflict between the provisions of this Schedule and the provisions of this mortgage, the provisions of this Schedule shall prevail. All terms utilized in this Schedule but not otherwise defined in this Schedule shall have the respective meanings ascribed to such terms in the Standard Charge Terms or Standard Mortgage Terms, as applicable. The privileges of this mortgage are available to the borrower only when not in default. The borrower will make regular payments at the interest rate, calculated and compounded in accordance with this mortgage and as further set out in this Schedule. 1. INTEREST The interest rate payable under this mortgage is a fixed rate calculated semi-annually not in advance and is payable in regular and equal instalments as set out in this mortgage. 2. PRIVILEGES The following privileges may be used in the same year. The exercising of either privilege will not affect any of the borrower`s obligations under this mortgage including the continuing regular loan payments as to amount or due date. Privileges are not cumulative and may not be carried over from one year to the next. (a) PARTIAL PREPAYMENT The borrower, when not in default, may prepay partial amounts of principal, without payment of compensation to the lender, on any payment date. Such partial payments must each be a minimum amount of $ , and total no more than 20% of the original principal amount of this mortgage during each year. This privilege is only available if this mortgage is continuing in force and is not applicable in part to any prepayment in full of this mortgage. Any unused partial prepayment privilege will not reduce the compensation payable on any prepayment in full of this mortgage. This privilege may not be used in the 31 days prior to a prepayment in full of this mortgage. (b) PAYMENT INCREASE The borrower, when not in default, shall have the privilege of increasing the then regular loan payment on account of principal and interest, in an amount not to exceed 20% thereof, or reducing the aforesaid increased payment by an amount up to but not exceeding 20%, once during any year. It is understood that the principal and interest portion of the regular loan payment may never be less than the original principal and interest amount. SCF OPTIONS FXD RATE SCH 04APR2012 Page 1 of 5
2 3. INCREASE AND BLEND The borrower, when not in default, may apply to increase the principal amount secured by this mortgage and/or extend the term of this mortgage. Upon approval, the rate of interest will be blended to reflect the existing mortgage rate and the mortgage rate in effect at the time of application. All applicable prepayment charges, administration fees and processing fees, if any, must be paid by the borrower as a condition of approval by the lender. The borrower may choose to capitalize applicable prepayment penalties to the new mortgage balance. The borrower must meet the lender's mortgage approval criteria in effect at the time, including criteria relating to the borrower, the mortgage terms and the property. 4. ASSUMPTION The borrower, when not in default, may sell the property charged hereunder without paying off the mortgage money secured by this mortgage if the purchaser of the property first obtains our written approval for the assumption of the mortgage. The borrower and the purchaser must provide sufficient information as required by the lender to enable it to make a decision to grant approval. The purchaser will be required to sign an assumption agreement and documents and pay all fees that may be associated with the granting of the approval to assume the mortgage. If this mortgage is assumed, the purchaser assuming this mortgage will be limited to the privileges outlined herein as if the purchaser had exercised such privileges prior to the completion of the sale. 5. PORTABILITY The borrower may, when not in default, and upon a bona fide arm s length sale of the property charged hereunder and the purchase of another property, apply for approval to transfer this mortgage as a charge of the same priority and of the same amount to the new property. The closing date of the two sales must be the same. In most cases, an arm s length sale is one where the buyer and seller are unrelated and have no personal or business relationship with each other. The existing borrower and the new property must both qualify under the lender s underwriting policies, criteria, procedures and documentation requirements and those of any insurer, if applicable, in effect at the time of application. The borrower will be required to pay the port application fee, appraisal fee and insurance premiums, if any, and all other fees and prepayment compensation that may be associated with the granting of the approval to port. 6. MATURITY The balance of the mortgage money will become due and payable, in full, on the balance due date (maturity) of this mortgage. In the event the lender agrees to renew or extend the term of this mortgage, such renewal or extension may, at the lender s sole discretion, be subject to a credit review and any renewal or extension fee in effect at such time. If the lender so chooses, the borrower will be required to provide any and all documentation required by the lender for the lender s credit review. Failure of the borrower to provide such documentation or pay such fees may cause the lender to revoke any offer of renewal or extension so made. In the absence of receipt of either full payout funds or a signed renewal offer from the borrower, the lender, at its sole discretion and in accordance with its policies at the time of maturity, may renew this mortgage for a term with the length and at the rate of interest as it sets out for an auto renewal in its offer of renewal. SCF OPTIONS FXD RATE SCH 04APR2012 Page 2 of 5
3 Upon completion of a renewal, all the features and benefits of this mortgage will be rescinded and the features and benefits of the new mortgage will take effect whether or not a renewal or amending agreement is signed by, or delivered to, the borrower. 7. PREAUTHORIZED CHEQUING The borrower agrees to execute any documents necessary to permit the lender to deduct payments from the borrower s bank account and to ensure that such account always has clear and sufficient funds to satisfy the payment obligations of the borrower under this mortgage. It is hereby agreed between the lender and the borrower that the covenant herein forms a material consideration in the granting of the mortgage and failure of the borrower to execute any such documentation enabling the lender to receive payments through a preauthorized payment method acceptable to the lender, and on an account with a financial institution in Canada will, at the option of the lender, result in the full amount outstanding under this mortgage becoming due and payable. The borrower shall pay a fee for every dishonoured preauthorized payment, in accordance with the fee schedule established by the lender from time to time. Unless separate payment for the fee is received with the replacement payment, the fee will form part of the mortgage money and will thereafter be charged interest at the same rate as the mortgage until paid. 8. PREPAYMENT IN FULL The borrower may prepay this mortgage in full at any time upon a compensation payment to the lender of an amount equal to the greater of: (a) three (3) months interest calculated by the lender on the remaining balance and at the interest rate set out in the mortgage form or last renewal, conversion or amendment thereto; or (b) the interest rate differential (IRD) calculation for the remaining term of this mortgage. The IRD is the amount of money the lender requires, on the prepayment date, to compensate the lender for the loss of interest income which results from a lower rate of interest on a replacing loan for the remainder of the term. The remainder of the term is the length of time from the payment due date of the last full loan payment made under this mortgage to the maturity date of this mortgage. The IRD is calculated by determining the difference between the mortgage rate in effect, at the time this mortgage was given or last renewed, converted or amended, and the lender`s posted rate in effect at the time such IRD calculation is made for the term closest to the remaining term, as determined by the lender. The difference in these two rates is used to calculate the loss of interest income. The posted rate is published on the lender s web site and is identified as the posted rate for the Street Options product. If the term of this mortgage is longer than five (5) years and the prepayment is made after the fifth (5 th ) anniversary date then the compensation payment is limited to three (3) months interest only as set out in 8 (a). The prepayment compensation amount may be estimated up to 30 days in advance of the discharge date. At a later date, to be determined by the lender at its sole discretion, the lender will fix and guarantee the compensation amount. Thereafter, the lender will not be required to re-calculate the compensation amount should regular rates increase or decrease. The borrower will not be entitled to require a discharge of this mortgage without payment of the compensation amount. The borrower will not be entitled to a rebate of any of the costs of borrowing upon such prepayment. The costs of borrowing include the fees and costs related to the mortgage application and any other fees charged as set out in the lender s fee schedule. SCF OPTIONS FXD RATE SCH 04APR2012 Page 3 of 5
4 The borrower agrees that the amounts calculated by the lender pursuant to the above calculations will, in the absence of obvious error, be conclusive. The prepayment compensation amount is a charge in addition to accrued interest and any applicable compound interest and fees. 9. FEES The borrower shall pay a fee for every dishonoured payment whether for a regular loan payment, a replacement thereof, or any other remittance of payment or fee under this mortgage. The borrower acknowledges that the lender may charge reasonable fees for all administrative services including, but not limited to, those outlined in the Fee Table and the borrower agrees to pay all such charges. Fees not paid as required may, at the Lender s sole discretion, lead to the withholding the service or approval for which the fee remains owing or, may be added to the mortgage money secured hereunder and accrue interest at the rate of the mortgage until paid. The lender will not be liable for the effect of any such withholding of services or approval. The following Fee Table outlines the fee amounts that are in effect at the date of this mortgage. The Fee Table represents the most common fees that may be charged from time to time. The lender will advise the borrower of any applicable fees when a particular service is requested by the borrower. All fee amounts are subject to change at any time and without notice. The fees in effect at any time are available upon inquiry to the lender. There are fees chargeable by the lender which the borrower is liable to pay, including but not limited to, those outlined below and those set out in the loan documents. All references to Fee Schedule in the loan documents refer to this Fee Table and its provisions. The listing of any particular fee does not imply that the lender is liable to provide the service listed. The lender s fees shall be the amounts established, disclosed and generally applied by the lender from time to time. The current fees in effect at any time may be ascertained upon inquiry to the lender. All such fees are intended to compensate the lender for the lender s administrative costs and shall not be deemed a penalty. Any and all fees, if not paid, shall be added to the mortgage money secured hereunder and shall bear interest at the rate provided in this mortgage until paid. The lender shall have the same rights with respect to the collection of the fees as it does with respect to the collection of the mortgage money secured hereunder. SCF OPTIONS FXD RATE SCH 04APR2012 Page 4 of 5
5 FEE TABLE There are fees chargeable by the lender which the borrower is liable to pay, including but not limited to, those outlined below and those set out in the loan documents. All references to Fee Schedule in the loan documents refer to this Fee Table and its provisions. The listing of any particular fee does not imply that the lender is liable to provide the service listed. The lender s fees shall be the amounts established, disclosed and generally applied by the lender from time to time. The current fees in effect at any time may be ascertained upon inquiry to the lender. All such fees are intended to compensate the lender for the lender s administrative costs and shall not be deemed a penalty. Any and all fees, if not paid, shall be added to the mortgage money secured hereunder and shall bear interest at the rate provided in this mortgage until paid. The lender shall have the same rights with respect to the collection of the fees as it does with respect to the collection of the mortgage money secured hereunder. Returned Payment Fee- 1st, 2nd and 3rd occurrences $ Returned Payment Fee- 4th, 5th or 6th occurrences $ Returned Payment Fee- 7th or subsequent occurrences $ Hold/Delay Payment $82.00 Mid-term Change $82.00 Regular Renewal $85.00 Early Renewal $75.00 Administration Fee- Discharges - BC $75.00 Administration Fee- Discharges - AB and QC $0.00 Administration Fee - Discharge- all other provinces $ Discharge Reproduction - ON $25.00 Discharge Reproduction - all other provinces $ Assignment/Transfer- NFL $50.00 Assignment/Transfer- NS $25.00 Assignment/Transfer- QC $0.00 Assignment/Transfer- PEI $25.00 Assignment/Transfer - all other provinces $ Payment of Tax Arrears Starting at $ Payment of Utility Arrears $50.00 Breakdown of Tax Account Starting at $50.00 Tax Administration Fee from Municipality Per Municipality Refinance/ Port/ Replacement $ Change of Covenant - excluding AB $ Qualified Assumption- excluding AB $ Non-Qualified Assumptions $ Records Research fee Per Hour $75.00 Legal Fees Determined by Solicitor Partial Discharges $ Courier Fee $15.00 Appraisals $ to $ Default Administration $ Bankruptcy/Consumer Proposal Administration Starting at $ Payment of Condo Arrears Starting at $ Refund Cheque $75.00 Annual Statement Reprint $25.00 Copy from File $25.00 Information Statements $20.00 Lapse in Impairment Insurance $250 every 3 months SCF OPTIONS FXD RATE SCH 04APR2012 Page 5 of 5
ADJUSTABLE RATE MORTGAGE SCHEDULE
ADJUSTABLE RATE MORTGAGE SCHEDULE In consideration of the granting of the loan secured by this mortgage and of its conditions, the borrower agrees with the lender as follows: The provisions of this Schedule
More informationLand Registration Reform Act. Filing No. 201105. filed by Bridgewater Bank STANDARD CHARGE TERMS
Ontario Land Registration Reform Act Filing No. 201105 filed by Bridgewater Bank STANDARD CHARGE TERMS These STANDARD CHARGE TERMS shall be deemed to be included in every Charge/Mortgage which refers to
More informationTOWN OF MORDEN POLICY & PROCEDURES MANUAL. Finance and Administration. Tax Sale 7
TOWN OF MORDEN POLICY & PROCEDURES MANUAL Section Subject Authority Finance and Administration Classification Pages Policy Tax Sale 7 Effective Date Council April 8 th, 2003 Approved (date and resolution
More informationSELF-DIRECTED RETIREMENT SAVINGS PLAN APPLICATION
SELF-DIRECTED RETIREMENT SAVINGS PLAN APPLICATION CALEDON TRUST COMPANY LIRA Locked in Retirement Account* LRSP Locked in Retirement Savings Plan* RSP - Retirement Savings Plan - Member Plan RSP - Retirement
More informationStandard Charge Terms Land Registration Reform Act
Page 1 of 32 Standard Charge Terms Land Registration Reform Act Filed By: Canadian Imperial Bank of Commerce Filing Number: 201610 Filing Date: March 29, 2016 The following set of standard charge terms
More informationUnderstanding the mortgage prepayment charge
Understanding the mortgage prepayment charge When choosing the type of mortgage you want, there are many factors you need to consider. Do you want a short- or long-term mortgage? Do you want a fixed or
More informationAdditional Terms and Conditions
Page 1 of 35 Additional Terms and Conditions The following set of additional terms and conditions is attached as Schedule B to Canadian Imperial Bank of Commerce Residential Mortgages in Newfoundland and
More informationStandard Mortgage Terms
Page 1 of 45 Standard Mortgage Terms Filed By: Canadian Imperial Bank of Commerce Filing Number: MT160006 Filing Date: March 17, 2016 The following set of standard mortgage terms shall be deemed to be
More informationHOME TRUST COMPANY. Alberta Land Titles Act STANDARD MORTGAGE TERMS. Registration No. 081099755
HOME TRUST COMPANY Alberta Land Titles Act STANDARD MORTGAGE TERMS Registration No. 081099755 These STANDARD MORTGAGE TERMS shall be deemed to be included in every Mortgage which incorporates and refers
More informationMortgage Basics Glossary of Terms
Mortgage Basics Glossary of Terms Buying a home is an important financial decision. It is important to familiarize yourself with the features of the different types of mortgages, so that you understand
More informationSET OF STANDARD MORTGAGE TERMS. Province of Ontario Filing Number: 201024
SET OF STANDARD MORTGAGE TERMS Province of Ontario Filing Number: 201024 The following set of standard mortgage terms is included in every mortgage in which it is incorporated by reference thereto, or,
More informationI request a refund in accordance with paragraph 7(b); or
CIBC RETIREMENT SAVINGS PLAN AGREEMENT 1. ESTABLISHMENT OF PLAN: Canadian Imperial Bank of Commerce ( CIBC ) agrees to hold on deposit in a CIBC Retirement Savings Plan (the Plan ) contributions received
More informationCustomer Service: info@
Foundation If you would like us to contact you, please complete the form below: Your Name Your Email Your Phone Best Time to Call Comments: Customer Service: info@ Toll Free: 1 886- Hartland, Michigan
More informationSample. Rider Clauses to Contract of Sale Purchaser DEED DESCRIPTION DOWN PAYMENT ESCROW
Rider Clauses to Contract of Sale Purchaser DEED DESCRIPTION 1. The deed shall contain a metes and bounds description of the premises being conveyed thereby. The same shall be satisfactory to the title
More informationBUSINESS CASH RESERVE AGREEMENT Effective: January 1, 2016
BUSINESS CASH RESERVE AGREEMENT Effective: January 1, 2016 This Business Cash Reserve Agreement ("Cash Reserve Agreement"), Borrower's Application for Business Cash Reserve (Business Overdraft Protection),
More informationBUY-SELL AGREEMENT. AGREEMENT, made this _(1)_ day of (2), 19_(3)_, by and between. (4), (5), (6), hereinafter separately referred to as
BUY-SELL AGREEMENT The sample buy-sell agreement below is for information purposes only. Neither MEG Financial, Inc. nor any of its representatives offers legal or tax advice. Please consult your tax and
More informationBANK OF NEW ZEALAND FACILITY MASTER AGREEMENT. Important information about. Your home loan
BANK OF NEW ZEALAND FACILITY MASTER AGREEMENT Important information about Your home loan Contents PAGE 2 Introduction Agreeing a facility 3 Changes to facilities Insurance 4 Pre-conditions This document
More informationARCH CAPITAL ADVISORS
ARCH CAPITAL ADVISORS TERM SHEET Mezzanine Debt This term sheet does not constitute an offer and is solely for discussion purposes. This term sheet shall not be construed as creating any obligations on
More informationCHAPTER 51-13 RETAIL INSTALLMENT SALES ACT
CHAPTER 51-13 RETAIL INSTALLMENT SALES ACT 51-13-01. Definitions. In this chapter, unless the context or subject matter otherwise requires: 1. "Amount financed" or "unpaid balance" means the cash price
More informationFor personal use only
Master Securities Loan Agreement 2000 Version Dated as of: Between: and 1. Applicability. From time to time the parties hereto may enter into transactions in which one party ( Lender ) will lend to the
More informationArticle 1 - Definitions
FHA Case No. HOME EQUITY CONVERSION MORTGAGE ADJUSTABLE RATE LOAN AGREEMENT THIS AGREEMENT is made this day of ( Borrower ) and ( Lender )., 20, among Article 1 - Definitions 1.1. Borrower is defined above.
More informationHouse of Representatives
House of Representatives General Assembly File No. 44 February Session, 2002 Substitute House Bill No. 5073 House of Representatives, March 18, 2002 The Committee on Banks reported through REP. DOYLE of
More informationPlain Language Mortgage Documents CBA Commitment. Prepared by the Canadian Bankers Association
Plain Language Mortgage Documents CBA Commitment Prepared by the Canadian Bankers Association March 7, 2000 Our commitment: Plain Language Mortgage Documents Members of the Canadian Bankers Association
More informationSample Corporate Cross Purchase Agreement
Sample Corporate Cross Purchase Agreement (Optional Disability Buy-Out) This sample agreement has been prepared as a guide to assist attorneys. Our publication, Buy-Sell Arrangements, A Guide for Professional
More informationMinimum mortgage amount $50,000. Stated Income: $750,000 Metro Toronto, Metro Calgary, Metro Vancouver; $600,000 rest of Canada.
Product Features Insurer Programs: CMHC & Genworth Loan Purpose Property Type Standard, Rental, Business for Self Stated and Income Qualified, New to Canada, Purchase Plus, Second Home, Flex Down. Purchase
More informationSTATE HIGH COST/PREDATORY LENDING REGULATIONS Updated 1/10/2014
STATE HIGH COST/PREDATORY LENDING REGULATIONS Updated 1/10/2014 State: Law: Cite: North Carolina NC High Cost Home Loan Law NC Rate Spread Home Loans Check both rules HB 2188 effective 10/01/2008 changes
More informationParcel Identifier: Mortgagor: (Spouse of: Mortgagee: Guarantor: NOT APPLICABLE. Manner of Tenure: Limitation of Right, Title or Interest Mortgaged:
Form 15 MORTGAGE Land Titles Act, S.N.B. 1981 c.l-1.1, s.25 Standard Forms of Conveyances Act, S.N.B. 1980, c.s-12.2, s.2 Parcel Identifier: Mortgagor: (Spouse of: name of Mortgagor Mortgagee: Guarantor:
More informationVA Authorized Agent Agreement
VA Authorized Agent Agreement This VA Authorized Agent Agreement (the Agreement ), entered into this day of, 20 (the Effective Date ) by and between Data Mortgage Inc., d/b/a Essex Mortgage ( Lender )
More information24-1.1E. Restrictions and limitations on high-cost home loans.
24-1.1E. Restrictions and limitations on high-cost home loans. (a) Definitions. The following definitions apply for the purposes of this section: (1) "Affiliate" means any company that controls, is controlled
More informationBOC CREDIT CARD (INTERNATIONAL) LIMITED TERMS & CONDITIONS OF BOC EXPRESS CASH INSTALMENT LOAN
BOC CREDIT CARD (INTERNATIONAL) LIMITED TERMS & CONDITIONS OF BOC EXPRESS CASH INSTALMENT LOAN Successful applicant ( Borrower ) of the approved BOC Express Cash Instalment Loan shall be subject to the
More informationBROKER AGREEMENT. NOW THEREFORE, in consideration of promises, covenants and agreements hereinafter contain, the parties agree as follows:
THIS AGREEMENT is entered into in the State of California this day of 2006, between Crestline Funding Corporation, hereinafter referred to as Crestline Funding, and, hereinafter referred to as Broker.
More informationFACTORING AGREEMENT. THIS FACTORING AGREEMENT made and executed the day of Acceptance by and between the Client and LoyalCash Corp. (the Factor ).
FACTORING AGREEMENT THIS FACTORING AGREEMENT made and executed the day of Acceptance by and between the Client and LoyalCash Corp. (the Factor ). 1. CERTAIN DEFINITIONS Advances Interest Rate shall have
More informationBANK OF NEW ZEALAND FACILITY MASTER AGREEMENT. Important information about. Your home loan
BANK OF NEW ZEALAND FACILITY MASTER AGREEMENT Important information about Your home loan Contents PAGE 2 Introduction Agreeing a facility 3 Changes to facilities Insurance 4 Pre-conditions This document
More informationNC General Statutes - Chapter 53 Article 21 1
Article 21. Reverse Mortgages. 53-255. Title. This Article shall be known and may be cited as the Reverse Mortgage Act. (1991, c. 546, s. 1; 1995, c. 115, s. 1.) 53-256. Purpose. It is the intent of the
More informationCommercial Credit Application: Part A Account #:
Commercial Credit Application: Part A Account #: Application Disclosure Statement Annual Interest Rate Interest-free Grace period Interest is charged at the rate of 1.5% per month, compounded monthly.
More information(House and Land) Approved by the Nova Scotia Real Estate Commission for use by Industry Members under the Real Estate Trading Act.
AGREEMENT OF PURCHASE & SALE FOR TURN KEY NEW CONSTRUCTION (House and Land) Approved by the Nova Scotia Real Estate Commission for use by Industry Members under the Real Estate Trading Act The Buyer of
More informationPRODUCER AGREEMENT. Hereinafter ("Producer"), in consideration of the mutual covenants and agreements herein contained, agree as follows:
PRODUCER AGREEMENT Hereinafter First Choice Insurance Intermediaries, Inc "FCII", a Florida company, having an office at 814 A1A North, Suite 206, Ponte Vedra Beach, FL 32082 and " Producer" having an
More informationSUB-PRODUCER AGREEMENT (Alfa Insurance Agent)
www.neagencies.com 6467 Main Street, Suite 104 Williamsville, NY 14221 phone: (800) 333-0980 fax: (716) 954-0219 SUB-PRODUCER AGREEMENT (Alfa Insurance Agent) Northeast Agencies, Inc. ( NEA ), a New York
More informationPAYDAY LOANS REGULATION
Province of Alberta FAIR TRADING ACT PAYDAY LOANS REGULATION Alberta Regulation 157/2009 With amendments up to and including Alberta Regulation 353/2009 Office Consolidation Published by Alberta Queen
More informationCollection Escrow Instructions
Collection Account No. Payee/Seller Name: Address: Telephone No. Email: To: Attn: Collection Escrow Instructions Escrow No. Obligor/Buyer Name: Address: Telephone No. Email: Pacific Trust Deed Servicing
More informationLUNDIN MINING CORPORATION INCENTIVE STOCK OPTION PLAN ARTICLE I INTRODUCTION
LUNDIN MINING CORPORATION INCENTIVE STOCK OPTION PLAN ARTICLE I INTRODUCTION 1.1 Purpose of Plan The purpose of the Plan is to secure for the Company and its shareholders the benefits of incentive inherent
More informationPersonal Loan Agreement
March 2014 HSBC Bank Middle East Limited - PERSONAL LOAN AGREEMENT HSBC Bank Middle East Limited Personal Loan Agreement Copyright. HSBC Bank Middle East Limited 2014 ALL RIGHTS RESERVED. No part of this
More informationYOUR MORTGAGE PLANNING GUIDE. John Cavan,
YOUR MORTGAGE PLANNING GUIDE Compliments of John Cavan, TABLE OF CONTENTS This mortgage planning guide will take you through 4 easy steps to OBTAIN a MORTGAGE. 1 2 34 STEP 1 CONNECT 04 ABOUT MY SERVICES
More informationSECURED DEMAND NOTE COLLATERAL AGREEMENT
SECURED DEMAND NOTE COLLATERAL AGREEMENT This Secured Demand Note Collateral Agreement (the "Agreement") is effective as of the day of, 20 by and between the "Lender") and (the "Borrower"), who mutually
More informationSenate Bill 1149 Summary -- Prohibit Predatory Lending
MEMORANDUM TO: FROM: Hal D. Lingerfelt Commissioner of Banks L. McNeil Chestnut Assistant Attorney General DATE: August 25, 1999 RE: Senate Bill 1149 Summary -- Prohibit Predatory Lending I. Background
More informationTEXAS FAIR PLAN PRODUCER REQUIREMENTS AND PERFORMANCE STANDARDS
Producer Requirements Page 1 TEXAS FAIR PLAN PRODUCER REQUIREMENTS AND PERFORMANCE STANDARDS The following Texas FAIR Plan Association ( Association ) requirements and producer performance standards (
More informationPolicies, Procedures and Guidelines
Policies, Procedures and Guidelines Complete Policy Title: Guaranteed Housing Loans to Faculty and Staff Approved by: Board of Governors Date of Original Approval(s): Policy Number (if applicable): Date
More informationLoan Agreement (Short Form)
Loan Agreement (Short Form) Document 2050A Access to this document and the LeapLaw web site is provided with the understanding that neither LeapLaw Inc. nor any of the providers of information that appear
More informationSPECIMEN SHAREHOLDERS AGREEMENT CRISS-CROSS PURCHASE USING CORPORATE-OWNED LIFE INSURANCE
SHAREHOLDERS AGREEMENT CRISS-CROSS PURCHASE USING CORPORATE-OWNED LIFE INSURANCE This specimen agreement addresses issues to be dealt with by business owners as those issues relate to life insurance on
More informationCFPB Integrated Mortgage Disclosures
CFPB Integrated Mortgage Disclosures Today s Goal To help you not only understand the rule changes, but make sure you have the tools, resources and support to take action to implement in your credit union
More informationSection 84 requires the following information for an Initial Disclosure Statement for Fixed Credit.
DISCLOSURE UNDER THE BUSINESS PRACTISES AND CONSUMER PROTECTION ACT (THE ACT ) AND THE DISCLOSURE OF THE COST OF CONSUMER CREDIT REGULATION (THE REGULATION ) The Act requires that disclosure be given by
More informationHow To Write A Loan Agreement
September 30, 2008 LOAN AGREEMENT THIS AGREEMENT made the 30th day of September, 2008 B E T W E E N: COX & CO., a corporation incorporated under the laws of the Province of Ontario (the Lender ) - and
More informationMORTGAGE PART 1 (This area for Land Title Office use) Page 1 of pages
LAND TITLE ACT FORM B (Section 225) Province of British Columbia MORTGAGE PART 1 (This area for Land Title Office use) Page 1 of pages 1. APPLICATION: (Name, address, phone number and signature of applicant,
More informationAgent Agreement WITNESSETH
PATRIOT NATIONAL UNDERWRITERS, INC. Agent Agreement THIS AGENT AGREEMENT (the Agreement ) is made and entered into by and between Patriot National Underwriters, Inc., a Texas corporation ( Patriot ), and
More informationONE MORTGAGE PROGRAM AGREEMENT
ONE MORTGAGE PROGRAM AGREEMENT This ONE MORTGAGE PROGRAM AGREEMENT (the Agreement ) is effective as of the day of, 201_, by and between the MASSACHUSETTS HOUSING PARTNERSHIP FUND BOARD, a Massachusetts
More informationCN - 1 $50,000 (YOUR COMPANY NAME HERE) CONVERTIBLE SUBORDINATED PROMISSORY NOTE
THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, NOR UNDER ANY STATE SECURITIES LAW AND MAY NOT BE PLEDGED, SOLD, ASSIGNED OR TRANSFERRED UNLESS (I) A REGISTRATION STATEMENT
More informationLENDERS INSURANCE POLICY ENDORSEMENT
NDS LENDERS INSURANCE POLICY ENDORSEMENT It is hereby noted and agreed by Insurers that all wordings incorporated in this Policy and all subsequent endorsements are accepted by Insurers as their own Notwithstanding
More informationPART 8 NATIONAL SERVICE LIFE INSURANCE
Department of Veterans Affairs Pt. 8 disposal or to be applied as may be approved by the Department of Veterans Affairs. (b) A policy will not be removed from the protection of the Act by reason of a payment
More informationDEPARTMENT OF TRANSPORTATION OFFICE OF SMALL AND DISADVANTAGE BUSINESS UTILIZATION SHORT TERM LENDING PROGRAM GUARANTEE AGREEMENT
DEPARTMENT OF TRANSPORTATION OFFICE OF SMALL AND DISADVANTAGE BUSINESS UTILIZATION SHORT TERM LENDING PROGRAM GUARANTEE AGREEMENT This GUARANTEE AGREEMENT dated as of [DATE] (this Agreement) is made by
More informationVERMONT DEPARTMENT OF BANKING AND INSURANCE REVISED REGULATION 77-2 VERMONT LIFE INSURANCE SOLICITATION REGULATION
VERMONT DEPARTMENT OF BANKING AND INSURANCE REVISED REGULATION 77-2 VERMONT LIFE INSURANCE SOLICITATION REGULATION Section 1. AUTHORITY This rule is adopted and promulgated by the Commissioner of Banking
More informationKNOW YOUR MORTGAGE RISKS & RESPONSIBILITIES
KNOW YOUR MORTGAGE RISKS & RESPONSIBILITIES Getting a mortgage is often the largest financial commitment Canadians make. Mortgages can come with many benefits. Mortgages will help you own your own home.
More informationAMERICAN INSURANCE ORGANIZATION AGENT AGREEMENT
AGREEMENT made this day of, 20, by and between American Insurance Organization, hereinafter referred to as AIO and, hereinafter referred to as Agent. The Agent is being offered the position of. RECITALS
More informationROTH IRA REQUIREMENTS
Regarding Roth Individual Retirement Annuity (IRA) Plans Described in Section 408A of the Internal Revenue Code This Disclosure Statement ( Disclosure ) presents a general overview of the federal laws
More informationPartial Assignment of Life Insurance Policy as Collateral
Partial Assignment of Life Insurance Policy as Collateral No assignment of a policy, or of any interest therein, will be binding on the Company unless such assignment, or a signed or certified copy thereof,
More informationNC General Statutes - Chapter 58 Article 60 1
Article 60. Standards of Disclosure for Annuities and Life Insurance. Part 1. Regulation of Life Insurance Solicitation. 58-60-1. Short title; purpose. (a) This Part may be cited as the "Life Insurance
More informationMaster Service Agreement
This Master Services Agreement ( MSA ) is entered into by Rack Alley Inc., a Wyoming corporation, and its affiliates ( Company ), and the below-signed customer ( Customer ) on the date Customer signs the
More informationINTEREST FREE LOAN AGREEMENT
INTEREST FREE LOAN AGREEMENT This Loan Agreement, dated as of April, 2012 (this Agreement ) is made by and between Citizens of the World Charter Schools, a California nonprofit public benefit corporation
More informationSTATE OF OKLAHOMA. 2nd Session of the 43rd Legislature (1992) AS INTRODUCED AN ACT RELATING TO BANKING; PROVIDING SHORT TITLE;
STATE OF OKLAHOMA 2nd Session of the 43rd Legislature (1992) SENATE BILL NO. 774 BY: KERR AS INTRODUCED AN ACT RELATING TO BANKING; PROVIDING SHORT TITLE; DEFINING TERMS; AUTHORIZING CERTAIN LENDERS TO
More informationDEED OF TRUST (Due on Transfer Strict)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 The printed portions of this form, except
More informationPersonal Loans by Banks and Trust Companies Chapter 8, Article 8 8-815 to 8-829
Personal Loans by Banks and Trust Companies Chapter 8, Article 8 8-815 to 8-829 8-815 Terms, defined. As used in sections 8-815 to 8-829, unless the context otherwise requires: (1) Department shall mean
More informationPART II. TERMS AND CONDITIONS
I acknowledge and agree with the Seller as follows: PART II. TERMS AND CONDITIONS 1. Entire Agreement These Terms and Conditions and the Sign Up Form together make up the agreement with the Seller (my
More informationFaculty Housing Assistance Program
Faculty Housing Assistance Program The University of Colorado, the University Colorado Foundation and the Elevations Credit Union are pleased to partner together to offer the Faculty Housing Assistance
More informationExpanded Market Programs
Expanded Market Programs Empowering you to say Yes more often! Ivantage and NEA are affiliates of Allstate, who offer Exclusive Agents access to additional products for risks outside of Allstate s market
More informationReal Property Act (Manitoba)
Real Property Act (Manitoba) Set of Standard Charge Mortgage Terms Residential (Variable Rate) A C K N O W L E D G M E N T The undersigned, the Mortgagor(s) named in a Mortgage of Land to [insert name
More informationBe it enacted by the People of the State of Illinois,
AN ACT concerning business. Be it enacted by the People of the State of Illinois, represented in the General Assembly: Section 5. The Currency Exchange Act is amended by changing Section 3.1 as follows:
More information360.100 Predatory lending -- Definitions -- Limitations on high-cost home loans -- Conditions -- Penalties. (1) The following definitions apply for
360.100 Predatory lending -- Definitions -- Limitations on high-cost home loans -- Conditions -- Penalties. (1) The following definitions apply for the purposes of this section: (a) "High-cost home loan"
More informationThe Ultimate Mortgage Checklist
The Ultimate Mortgage Checklist The Rate 1. Is the rate you re quoting me the lowest I can possibly get, given my qualifications and mortgage preferences? 2. If I find a lower rate for a similar product
More informationDEED OF TRUST NOTE SURPLUS CASH WITH CONTINGENT INTEREST. Crownsville, Maryland, 20
Project Name: Project Number: HOME/RHP DEED OF TRUST NOTE SURPLUS CASH WITH CONTINGENT INTEREST $ Crownsville, Maryland, 20 FOR VALUE RECEIVED,, a Maryland (the Borrower ), promises to pay to the order
More informationMORTGAGE REF. NO. FREEHOLD LEASEHOLD (check ( ) appropriate box)
MORTGAGE REF. NO. FREEHOLD LEASEHOLD (check ( ) appropriate box) I/We,, (the borrower) being registered as owner of CHECK BOX an estate in fee simple possession, WHICH APPLIES a leasehold estate, subject,
More informationSTANDARD LAND PURCHASE AND SALE AGREEMENT [#505] (With Contingencies)
STANDARD LAND PURCHASE AND SALE AGREEMENT [#505] (With Contingencies) The parties make this Agreement this day of,. This Agreement supersedes and replaces all obligations made in any prior Contract To
More information5. ACCOUNT OPTIONS WHICH THE HOLDER MAY CHOOSE:
Submit In order to proceed with your application, please read the CIBC Tax-Free Savings Account Agreement and check the box at the bottom of the page to indicate that you agree to open a TFSA or contribute
More informationPROPERTY MANAGEMENT AGREEMENT
, LLC 1921 S. Alma School Rd., #307 Mesa, Arizona 85210 (480) 838-6900 (office) (480) 456-9439 (fax) www.borgprop.com PROPERTY MANAGEMENT AGREEMENT THIS PROPERTY MANAGEMENT AGREEMENT (this "Agreement")
More informationTrading, Collaterised Accounts Terms & Conditions
Trading, Collaterised Accounts Terms & Conditions CB/ST/V1/2012 1. PURPOSE 1.1 You (i.e. the Applicant) shall use the Collaterised Trading Facility ( the Facility ) only to deal in securities ( Securities
More informationBUY-SELL AGREEMENT. WHEREAS, the Stockholders together own 100% of the outstanding shares of capital stock of the Corporation, and
BUY-SELL AGREEMENT AGREEMENT, made this (1) day of (2), (3), by and between (4), (5), (6), hereinafter separately referred to as "Stockholder", and jointly as "Stockholders", and (7), a (8) corporation,
More informationFour Seasons Property Management Inc 2334 The Plaza Charlotte, NC 28205
Four Seasons Property Management Inc 2334 The Plaza Charlotte, NC 28205 EXCLUSIVE PROPERTY MANAGEMENT AGREEMENT Long-term Rental Property This Exclusive Property Management Agreement is entered into by
More informationGENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1991 H 1 HOUSE BILL 22
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION H HOUSE BILL Short Title: Regulate Reverse Mortgages. (Public) Sponsors: Representatives Brubaker, Easterling, Hasty, Ligon, Lineberry, Privette, and Woodard.
More informationPrivate Capital Solutions. Tax-Free Savings Accounts (TFSA) Registered Retirement Savings Plans (RRSP)
Private Capital Solutions Tax-Free Savings Accounts (TFSA) Registered Retirement Savings Plans (RRSP) Computershare Forms Guide On the following pages you will find these applications forms. Tax-Free Savings
More informationRAMS Home Loan Fees & Charges
RAMS has provided this guide to help you determine the RAMS loan fees that may be payable before and after your loan settlement. Your specific RAMS fees and other fees and charges (such as government fees)
More informationLINE OF CREDIT REVOLVING LINE OF CREDIT
LINE OF CREDIT BORROWER: LENDER: ( of Company) ("Lender") AMOUNT: $ 125,000.00 REVOLVING LINE OF CREDIT TERM: One year. The note will have a maturity of twelve (12) months from the date of closing of the
More informationCOUNTY OF SANTA CLARA SCC40K HOME LOAN PROGRAM (HOME FUNDS)
DO NOT DESTROY THIS NOTE: When paid in full according to its terms, this note, with Deed of Trust securing the same, must be surrendered to Trustee for cancellation before Reconveyance will be made. COUNTY
More informationBEXIL AMERICAN MORTGAGE INC./AMERICAN MORTGAGE NETWORK BROKER GUIDE
BEXIL AMERICAN MORTGAGE INC./AMERICAN MORTGAGE NETWORK BROKER GUIDE This Broker Guide ( Guide ), as supplemented and amended from time to time by Bexil American Mortgage Inc./American Mortgage Network
More informationCMBX TRANSACTIONS STANDARD TERMS SUPPLEMENT (published on March 7, 2006 and amended and restated as of May 16, 2006) 1
CMBX TRANSACTIONS STANDARD TERMS SUPPLEMENT (published on March 7, 2006 and amended and restated as of May 16, 2006) 1 This CMBX Transactions Standard Terms Supplement (the CMBX Standard Terms ) hereby
More informationRESOLUTION TO BORROW AGAINST ANTICIPATED DELINQUENT 2013 REAL PROPERTY TAXES
RESOLUTION TO BORROW AGAINST ANTICIPATED DELINQUENT 2013 REAL PROPERTY TAXES At a regular meeting of the Board of Commissioners of the County of Washtenaw, State of Michigan, held at Ann Arbor, Michigan,
More informationSchedule of Fees and Charges
Schedule of Fees and Charges Standard Home Loans - Variable Rate and Fixed Rate (bcu's standard home loan is defined as a loan secured by one residential property) Guide to pre-settlement fees and charges
More informationINSURANCE AGENCY AGREEMENT
INSURANCE AGENCY AGREEMENT BritAmerica Management Group, Inc., hereinafter referred to as the Company, hereby appoints: Agent Agency Address City State Zip Tax ID hereinafter referred to as the Agent.
More informationPACE Supplemental Loan Agreement (Municipal Special Charge)
Document Number PACE SUPPLEMENTAL LOAN AGREEMENT Document Title PACE Supplemental Loan Agreement (Municipal Special Charge) Notice: This Agreement provides for the levying of special charges against real
More informationConventional Financing
Chapter 6 Conventional Financing 1 Chapter Objectives Identify the characteristics of a conventional loan. Define amortization. Identify different types of conventional loans. Discuss the use of private
More informationMaster Securities Loan Agreement
Master Securities Loan Agreement 2000 Version Dated as of: Between: and 1. Applicability. From time to time the parties hereto may enter into transactions in which one party ( Lender ) will lend to the
More informationLOAN APPLICATION & AGREEMENT FORM. Personal cell No: Net Pay;Kshs. 48 months. 1% per month 12 months. 1% per month 12 months
CHAI SAVINGS & CREDIT CO-OPERATIVE SOCIETY LIMITED KTDA Plaza, 4th Floor, Moi Avenue P.O. Box 278-00200 City Square Nairobi-Kenya Phone: +254 20 2214406/10 Mobile: 0733 330045 / 0701 314410 Fax: +254 20
More information